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Hibernian Renewal Issue..

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  • 22-03-2007 8:21pm
    #1
    Ronanom
    Closed Accounts Posts: 407 ✭✭


    They said that before they will quote me for a renewal on my motor insurance they want a letter telling them why I have 5 permanent vehicle change overs in the year.

    I really don't see why I should be obliged to produce such a letter..

    Any thoughts?


Comments

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    #2
    Anan1
    Registered Users Posts: 22,815 ✭✭✭✭Anan1


    My immediate response would be to call FBD.


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    #3
    colm_mcm
    Registered Users Posts: 73,454 ✭✭✭✭colm_mcm


    presume they're trying to cut down on lads insuring a micra, then transferring cover to something like a Levin etc. as they have to cover you IIRC.


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    #4
    Trampas
    Registered Users Posts: 7,654 ✭✭✭Trampas


    But why have you made 5 perm subs this year


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    #5
    Ronanom
    Closed Accounts Posts: 407 ✭✭Ronanom


    Trampas wrote:
    But why have you made 5 perm subs this year

    Because I changed over my car 5 times...duhh


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    #6
    colm_mcm
    Registered Users Posts: 73,454 ✭✭✭✭colm_mcm


    not unreasonable for them to ask though.


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    #7
    Alun
    Registered Users Posts: 21,464 ✭✭✭✭Alun


    I'd hazard a guess that they might think you're trading (are you?) and that might somehow contravene the terms of the policy.


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    #8
    Rudolph Claus
    Closed Accounts Posts: 1,060 ✭✭✭Rudolph Claus


    Or they might think you`re the worlds worst driver and wrote off the 1st 4 cars and are now on a 5th in the space of a year. :D


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    #9
    legs11
    Closed Accounts Posts: 1,347 ✭✭✭legs11


    don't see why anyone would need 5 cars in the space of a year anyway....seems abit dodgey


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    #10
    JohnCleary
    Registered Users Posts: 10,210 ✭✭✭✭JohnCleary


    Because you're buying and selling car's for profit which is trading and your insured under a private insurance policy


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    #11
    colm_mcm
    Registered Users Posts: 73,454 ✭✭✭✭colm_mcm


    who says they're for profit!


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    #12
    JohnCleary
    Registered Users Posts: 10,210 ✭✭✭✭JohnCleary


    colm_mcm wrote:
    who says they're for profit!

    The price tag generally ;)


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    #13
    6ix
    Registered Users Posts: 765 ✭✭✭6ix


    Alun wrote:
    I'd hazard a guess that they might think you're trading (are you?) and that might somehow contravene the terms of the policy.

    This is exactly why. It's not a big deal to write a letter anyway, and if they're the most competitive it'll be worth your while.


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    #14
    Fey!
    Registered Users Posts: 4,184 ✭✭✭Fey!


    Maybe he just bought the worst 5 cars in the country and had to get rid of each of them...


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    #15
    Guy:Incognito
    Registered Users Posts: 38,247 ✭✭✭✭Guy:Incognito


    Is this you OP? http://www.carzone.ie/usedcars/index.cfm?fuseaction=car&carID=579513 :)


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    #16
    bazz26
    Registered Users Posts: 51,239 ✭✭✭✭bazz26


    My guess also would be that they think the OP is trading in cars through a private insurance policy.


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    #17
    Dermo123
    Registered Users Posts: 384 ✭✭Dermo123


    I did a few permanent transfers also last year with Hibernian and was asked over the phone why I am doing it. I told them I only owned one car at a time in my name and was doing it as a hobby. I got no more questions from them and my renewal came recently with no surprises.

    I would be willing to pay extra if they were able to offer me the facility to insure as many changeovers as I liked but they could not give it to me as a private punter.


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    #18
    michaelanthony
    Closed Accounts Posts: 741 ✭✭✭michaelanthony


    If you change your car, is the insurance company legally obliged to insure the new one?


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